Call reports 2010
FIRST NATIONAL BANK OF SOUTH MIAMI — 2010
What FIRST NATIONAL BANK OF SOUTH MIAMI reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 362,630,000 | 355,053,000 | 362,372,000 | 372,386,000 |
| Total loans | 136,324,000 | 133,241,000 | 138,640,000 | 145,936,000 |
| Allowance for loan losses | 2,452,000 | 2,319,000 | 2,575,000 | 2,597,000 |
| Securities available for sale | 110,683,000 | 125,593,000 | 126,347,000 | 125,712,000 |
| Securities held to maturity | 48,982,000 | 50,872,000 | 54,627,000 | 50,267,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,463,000 | 248,291,000 | 251,895,000 | 259,666,000 |
| Interest-bearing deposits | 189,628,000 | 178,400,000 | 180,892,000 | 187,323,000 |
| Noninterest-bearing deposits | 66,835,000 | 69,891,000 | 71,003,000 | 72,343,000 |
| Equity capital | 36,158,000 | 36,147,000 | 36,263,000 | 35,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,945,000 | 6,133,000 | 9,128,000 | 12,393,000 |
| Interest expense | 876,000 | 1,711,000 | 2,453,000 | 3,168,000 |
| Net interest income | 2,069,000 | 4,422,000 | 6,675,000 | 9,225,000 |
| Noninterest income | 521,000 | 1,047,000 | 1,459,000 | 2,125,000 |
| Noninterest expense | 2,890,000 | 5,690,000 | 8,424,000 | 11,853,000 |
| Provision for loan losses | -1,210,000 | -1,360,000 | -1,085,000 | -1,085,000 |
| Pretax income | 910,000 | 1,090,000 | 746,000 | 533,000 |
| Income tax | 395,000 | 470,000 | 326,000 | 86,000 |
| Net income | 515,000 | 620,000 | 420,000 | 447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,820,000 | 38,729,000 | 38,530,000 | 38,556,000 |
| Total capital | 39,173,000 | 41,021,000 | 40,899,000 | 41,016,000 |
| Risk-weighted assets | 215,590,000 | 206,751,000 | 213,061,000 | 218,590,000 |